Read e-book online A Guide to SME Financing PDF

By David Munro (auth.)

ISBN-10: 1137373784

ISBN-13: 9781137373786

ISBN-10: 1349477427

ISBN-13: 9781349477425

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Extra resources for A Guide to SME Financing

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Lack of financial records It is possible to assemble a rudimentary yet accurate balance sheet by the following means: Balance Sheet Entries  Cash The SME lending program must require that all loan applicants open a current account on the bank’s books, run all of the firm’s transactions through the account, and maintain the account for a period of at least six months before applying for a loan. Six months of account history will allow the bank to establish the cash balance on the balance sheet, as well as the sales figure on the Income Statement for the period (see below).

1057/9781137373786 4 An Outline of the Credit Application, Analysis, and Approval Process: The Centrality of Credit Analysis Abstract: The proposed application, analysis, and approval process is outlined in its entirety. The importance of retaining a strong credit analysis base is underlined by comments on the abandonment of credit risk analysis by banks during the mortgage boom leading to the global financial meltdown of 2008. The case study introduced in Chapter 3 is expanded, with a description of how to make financial projections covering the life of the loan.

Applicants who pass the Credit Score (which can be tabulated on the spot) may proceed to the interview in which they provide answers to questions on the computer-based application form. This form is filled out by the Loan Officer, sitting at a computer terminal. The two-step application process should not exceed 45 minutes in duration. Depending upon the workload of the branch (getting the recommendation out to the Loan Production Team) and the processing time once received at Loan Production, the applicant should have an initial response within two to three days.

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A Guide to SME Financing by David Munro (auth.)

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